SBF LOANS

Personal Loan

You can use our multi-purpose Personal Loan to pay for essential expenses, education, business expenses, or any other cash expense. Consider our personal loan as a safety net in times when you need that financial boost.

*Estimated APR at 36 months is 37.53%
*Rates shown are indicative only and may change upon approval.
*SB Finance will never ask you to pay a facilitation fee for your application. If you receive a call, SMS, or email asking you to pay a facilitation fee, do not engage. Immediately report the incident to our 24-Hour Customer Service hotline at (+632) 8887-9188 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Documentary Requirements

A. Completely Filled out and signed application form (click here).

B. If Employed:

• One (1) valid government-issued photo ID
• Income Documents, any of the following:
  • Certificate of Employment and Compensation
    – issued within the last six (6) months
  • Latest ITR
  • Latest one (1) month payslip

C. If Self-Employed:

• One (1) valid government-issued photo ID
• Latest 1-year Audited Financial Statement (AFS) with at least the previous year’s comparative financials
• SEC Registration / DTI Certificate
• Business Permit / Mayor’s Permit
• Latest three (3) months bank statements
• Latest GIS (if corporation)
• List of 3 trade references (at least 1 supplier and 1 customer) with contact details

Note: Additional documents may be required to process the loan.

Eligibility

• At least 21 years old at the time of application but not more than 65 years old upon loan maturity
  • Must be a Filipino Citizen
  • Must have an office or residence landline.
• If Employed, minimum gross monthly income
  
  • For Metro Manila: PHP15,000
  • For outside Metro Manila: PHP12,000
• If Self-employed:
  • For Self-Employed or Self-Employed Professionals, borrower must be the owner or a majority owner with at least 40% stake AND the business has been operating profitably for at least 2 years with at least 1 trade reference.
  • Minimum gross monthly income of PHP100,000.

Car4Cash

You can use Car4Cash to fund your immediate expenses. Application is fast and easy. More importantly, you don’t need to surrender your car for collateral. Just submit your OR/CR to us and get the cash you need!

Note: Interest rates and charges are subject to change without prior notice. All applications will be subject to SB Finance’s credit policies and procedures.

*SB Finance will never ask you to pay a facilitation fee for your application. If you receive a call, SMS, or email asking you to pay a facilitation fee, do not engage. Immediately report the incident to our 24-Hour Customer Service hotline at (+632) 8887-9188 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Documentary Requirements

1. Completely Filled out and signed application form (click here).

2. If Employed:

• One (1) valid government-issued photo ID
• Income Documents, any of the following:
  • Certificate of Employment and Compensation–issued within the last two (2) months
  • Latest ITR / BIR Form 2316
  • Latest one (1) month payslip
• Latest one (1) month payslip
• Scanned copy of OR/CR (must be under the borrower’s name, unencumbered and owned for at least 6 months)
• Screenshot from Google maps of home and company address

3. If self-employed:

• One (1) valid government-issued photo ID
• Latest one (1) year Audited Financial Statements (AFS) with at least the previous year’s comparative financials
• Latest three (3) months bank statements
• SEC/DTI Certificate of Registration
• Business permit/Mayor’s permit
• Latest GIS (if corporation)
• Scanned copy of OR/CR (must be under the borrower’s name, unencumbered and owned for at least 6 months)
• Screenshot from Google maps of home and company address

* Additional documents may be required by SB Finance to process the loan

Eligibility

• At least 21 years old but not more than 65 years old upon loan maturity
• Must be a Filipino citizen
• With office or residence landline
• Residence or office is within the Bank’s service processing area

If Employed

• Regular and permanent with current employer and employed for at least one (1) year
• Minimum gross monthly income:
  • For Metro Manila: P15,000
  • For outside Metro Manila: P12,000

If Self-Employed

• Must be the owner or a majority owner with at least 40% stake, and
• Business should have a positive net worth in the last two (2) years
• Minimum gross monthly income of P100,000

For Vehicle

• Must be registered under borrower’s name or under business name if business is a sole proprietorship owned by the borrower
• Must be owned by borrower for at least 6 months at point of application
• Should not be encumbered
• Car type must either be passenger or pick-up car e.g. trucks not allowed
• Cannot be for commercial use (e.g. used for Grab / TNVS), and cannot be a public utility vehicle / yellow plate (e.g. taxi, jeepney, UV express, FX, etc.)
• Can be brand new or used
• Maximum age of 10 years at point of application